Who Has the Cheapest Car Insurance Quotes in Tucson, Arizona?
State Farm has the cheapest car insurance quotes in Tucson, at $145 per month for full coverage and $62 per month for minimum liability insurance.
Find Cheap Auto Insurance Quotes in Tucson, AZ
Best cheap auto insurance in Tucson, AZ
How we chose the top companies
Best and cheapest car insurance in Tucson
- Cheapest full coverage: State Farm, $145/mo
- Cheapest minimum liability: State Farm, $62/mo
- Cheapest for young drivers: Travelers, $201/mo
- Cheapest after a ticket: State Farm, $154/mo
- Cheapest after an accident: State Farm, $145/mo
- Cheapest for teens after a ticket: State Farm, $229/mo
- Cheapest after a DUI: Progressive, $201/mo
- Cheapest for poor credit: Travelers, $255/mo
Monthly rates based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
State Farm offers the best combination of reliable customer support and lowest rate in Tucson. Travelers and Progressive also typically offer affordable rates, but their customer service reviews aren't as good as State Farm.
Cheapest car insurance in Tucson: State Farm
State Farm has the cheapest full coverage car insurance quotes in Tucson.
At $145 per month, full coverage from State Farm is $70 per month cheaper than average.
Tucson drivers with military ties should also compare quotes from USAA. It has very affordable full coverage quotes, at around $141 per month, and a reputation for excellent customer service. However, only current and former military members and some of their family members can buy car insurance from USAA.
Find Cheap Auto Insurance Quotes in Tucson, AZ
The average cost of full coverage insurance in Tucson, AZ is $215 per month. That's $3 per month less than the Arizona state average.
Best cheap full coverage car insurance in Tucson
Company | Monthly rate | |
|---|---|---|
| State Farm | $145 |
| Travelers | $164 |
| Progressive | $166 |
| American Family | $187 |
| Geico | $213 |
*USAA is only available to current and former military members and their families.
Cheapest liability-only insurance in Tucson: State Farm
State Farm has the cheapest minimum liability car insurance in Tucson, AZ.
A minimum liability policy from State Farm costs around $62 per month. That's $27 per month less than the Tucson average, which is $89 per month.
Cheap minimum liability auto insurance in Tucson, AZ
Company | Monthly rate |
|---|---|
| State Farm | $62 |
| Travelers | $69 |
| Progressive | $76 |
| American Family | $80 |
| Geico | $97 |
*USAA is only available to current and former military members and their families.
Find Cheap Auto Insurance Quotes in Tucson, AZ
Cheap Tucson auto insurance for teens: Travelers & State Farm
Travelers has the most affordable minimum liability car insurance for teen drivers in Tucson. A minimum liability policy from Travelers costs $201 per month for an 18-year-old driver. That's $23 per month cheaper than the Tucson average.
State Farm has the cheapest full coverage rate for Tucson teens, at $439 per month. That's $238 per month less than the citywide average.
Best cheap Tucson, AZ insurance for teens
Company | Liability only | Full coverage |
|---|---|---|
| Travelers | $201 | $443 |
| State Farm | $212 | $439 |
| Geico | $239 | $465 |
| The Hartford | $248 | $758 |
| Progressive | $295 | $766 |
*USAA is only available to current and former military members and their families.
Teen drivers with military ties can find even better rates at USAA. At $130 per month, minimum coverage from USAA is less than half the Tucson average.
To get the cheapest car insurance rates as a young driver, you should:
- Share a policy with your parents. The overall cost of a combined policy will go up, but it's typically much cheaper than the price of two separate policies.
- Ask about discounts. Many companies offer discounts for getting good grades and taking safe-driving classes.
- Compare quotes from multiple companies. The difference between the cheapest and most expensive insurance for teens is $389 per month for minimum coverage. Consider small insurance companies, too, as some may have cheaper quotes than larger companies.
Cheapest insurance in Tucson after a speeding ticket: State Farm
State Farm has the cheapest car insurance quotes in Tucson for drivers with a speeding ticket on their record.
A full coverage policy from State Farm costs $154 per month after a single speeding ticket. That's $130 per month cheaper than the city average, and $54 per month less than the second-cheapest option, which is Travelers.
Cheap insurance companies in Tucson after a speeding ticket
Company | Monthly rate |
|---|---|
| State Farm | $154 |
| Travelers | $208 |
| Progressive | $222 |
| American Family | $227 |
| Geico | $285 |
*USAA is only available to current and former military members and their families.
Tucson drivers can expect their car insurance rates to go up by an average of 33% after a single speeding ticket. That's an increase of around $70 per month for a full converge policy.
Cheap insurance in Tucson, AZ after an accident: State Farm
State Farm has the best low-cost insurance in Tucson after an at-fault accident. Full coverage from State Farm costs around $145 per month, which is less than half the Tucson average.
Cheapest Tucson insurance companies after an accident
Company | Monthly rate |
|---|---|
| State Farm | $145 |
| Travelers | $231 |
| Geico | $232 |
| Progressive | $252 |
| American Family | $338 |
*USAA is only available to current and former military members and their families.
Drivers in Tucson pay $94 per month more for full coverage after an accident. That's 44% more than drivers with a clean record pay for the same coverage.
Besides comparing quotes from multiple companies, drivers with an accident history should see what discounts they can qualify for. For example, many companies have discounts for paying your bill automatically and attending defensive driving classes.
Cheap insurance in Tucson for teens with a bad driving record: State Farm
State Farm has the most affordable rates for young drivers in Tucson with a speeding ticket or accident on their record.
After a speeding ticket, minimum liability insurance from State Farm costs $229 per month for an 18-year-old. That's one-third of the Tucson city average.
State Farm also has the best rates after an at-fault accident. At $212 per month, minimum liability insurance from State Farm costs $177 per month less than the citywide average.
Monthly minimum coverage rates for teens with a bad driving record
Company | Ticket | Accident |
|---|---|---|
| State Farm | $229 | $212 |
| Travelers | $252 | $287 |
| Progressive | $308 | $314 |
| Geico | $312 | $247 |
| The Hartford | $342 | $439 |
*USAA is only available to current and former military members and their families.
Minimum coverage rates for teens go up by an average of 58% after a single speeding ticket and 74% after an at-fault accident.
Cheap car insurance in Tucson, AZ after a DUI: Progressive
Progressive has the most affordable full coverage quotes for Tucson drivers with a DUI, at an average of $201 per month. That's $144 per month cheaper than the city average, and $41 per month less than the second-cheapest company, Travelers.
Cheapest Tucson car insurance quotes after a DUI
Company | Monthly rate |
|---|---|
| Progressive | $201 |
| Travelers | $242 |
| State Farm | $280 |
| American Family | $350 |
| Geico | $376 |
*USAA is only available to current and former military members and their families.
Drivers in Tucson with a DUI pay an average of 60% more for full coverage insurance than those with a clean record.
In addition, you may need to get SR-22 insurance after a DUI in Arizona.
Most companies charge between $15 and $50 to file an SR-22 form for you. This fee is on top of any increase in your car insurance rates.
Cheapest car insurance in Tucson for drivers with poor credit: Travelers
Travelers has the cheapest car insurance quotes in Tucson for drivers with a poor credit score. Full coverage from Travelers costs around $255 per month for these drivers, which is $156 per month cheaper than average.
Low-cost insurance for Tucson drivers with poor credit
Company | Monthly rate |
|---|---|
| Travelers | $255 |
| Progressive | $264 |
| American Family | $281 |
| Geico | $324 |
| Allstate | $429 |
*USAA is only available to current and former military members and their families.
A poor credit score nearly doubles your car insurance rates in Tucson. That's $196 more per month for full coverage than the cost for a driver with a good credit score.
Your credit score doesn't reflect your driving habits. However, car insurance companies believe drivers with poor credit are more likely to make a claim in the future. That makes these drivers more expensive to cover, so companies charge them more for coverage.
Average car insurance quotes in Tucson, AZ by ZIP code
People living outside of Oracle, a Tucson suburb, have the cheapest car insurance in the city, at $184 per month for full coverage.
Drivers in the downtown ZIP code of 85701 pay the highest rates, at $217 per month.
Areas of the city with more people, more accidents or higher crime rates typically have higher insurance rates as well. That's because people living in these areas are more likely to make claims.
Cost of full coverage insurance by Tucson ZIP code
ZIP | Monthly Rate | % from average |
|---|---|---|
| 85701 | $217 | 5% |
| 85704 | $200 | -3% |
| 85705 | $214 | 4% |
| 85706 | $212 | 3% |
| 85708 | $202 | -2% |
What is the minimum auto insurance requirement in Tucson?
Tucson drivers must have a minimum amount of liability insurance to legally drive on public roads. This requirement is sometimes written as 25/50/15.
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $15,000 per accident
What's the best car insurance coverage in Tucson, AZ?
Most Tucson drivers should get full coverage car insurance.
This is especially true if you have a car loan or lease, or own a car that's less than eight years old or worth more than $5,000.
That's because it offers more protection. Unlike minimum coverage, full coverage includes comprehensive and collision coverage.
- Collision coverage pays for damage to your car if you hit another vehicle, run into a building or pole or drive on a damaged road.
- Comprehensive coverage protects you against events outside your control like theft, natural disasters and falling objects.
Minimum coverage insurance is the cheapest option for drivers in Tucson because it only includes the minimum amount of liability coverage required in Arizona.
But, minimum liability insurance isn't the best choice for most drivers. That's because it only helps pay for damage or injuries you cause to others. The liability limits may not be high enough to fully cover the cost of a major accident, either. In addition, minimum coverage won't pay to fix or replace your car after an accident or theft.
Frequently asked questions
How much is car insurance in Tucson, AZ?
The average cost of car insurance in Tucson is $215 per month for a full coverage policy, or $89 per month for minimum liability insurance. That's 23% and 29% higher than the national average, respectively.
Who normally has the cheapest car insurance in Tucson?
State Farm has the cheapest minimum liability quotes in Tucson, averaging $62 per month. It also has the cheapest full coverage rates, at $145 per month.
What is the best car insurance in Tucson, AZ?
USAA is the best-rated car insurance company in Arizona. USAA has excellent customer service reviews, helpful coverage options and affordable rates. However, only military members, veterans and their families can get car insurance from USAA.
Drivers who don't qualify should consider State Farm, which also has great service and some of the cheapest rates in the city.
Methodology
To find the best cheap auto insurance in Tucson, AZ, ValuePenguin editors analyzed quotes from the top insurance companies in Arizona. Rates are for a 30-year-old single man with a clean driving record and good credit score who owns a 2015 Honda Civic EX.
Full coverage quotes include higher liability limits than Arizona state requirements, along with comprehensive and collision coverage.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Comprehensive and collision deductible: $500
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurance company filings and should be used for comparative purposes only. Your own quotes may be different.
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.